I've already opened a Gold Classic account which was very easy and completed in a couple of weeks just before Christmas.

As Mark said I'm maintaining a Nationwide up until the Nationwide AGM so I can try and vote out the directors that have scrapped the free European cash withdrawals. If I have a vote I might as well use it. I understand from other Forums that there is a large group of customers, unhappy with the changes, who intend to use their votes in a similar way.

Got the email today to say we have our account, just have to send in proof of address for the both of us :). Hope to be up and running in the next 10 days. We are also taking advantage of the account moving service, £50 if not done in 10 days!!

So our account is now open, all quite painless, debit cards have arrived and we have online banking All that remains is to see what rate they give on ATM withdrawals when I next visit (hopefully February).

Norm de Plume have you actually withdrawn any cash yet and if so which bank's ATMs did you use? I've just read the Citibank info & it says other banks may charge a fee for withdrawing. Am guessing it is probably ok as that is a generic condition, but there are no Citibanks anywhere in the area so I want to be sure it's free before applying.

Two members discussing the rate on another forum say they've been told by N & P that it's Visa rate so pretty much commercial rate, which is what I'd expect anyway. One quoted 'I drew 20 euros and it showed up as £16.66' & he was talking about withdrawing that two weeks ago, worked out at 1.20

Hi I retired my Nw Flex last year. I took up with a Halifax Clarity Card. Yes it is a credit card. But with no fees either end for withdrawing Euros fro an ATM. The only fees are if you do not pay in full by the request for payment.

I used my Clarity at the Cam Bank last week.

I checked my online statement on my return to UK to find that I recieved an exchange rate of 1.1745

With no charges.

Sounds Good to me.

I also use a Caxton FX Global Traveller Card. Good rate but not quite as good as the Clarity Card.

I have used it 3 times now & never been Charged.

Overview

The Clarity card is our newest credit card and has one simple interest rate of 12.9% APR representative variable, however or wherever you use it.

What's really exciting about Clarity is that there are no usage fees:

No fee to transfer a balance No cash withdrawal fee No fee to use it anywhere worldwide No annual fee.

That's it, it really is that simple!

We're giving you even more reason to apply:

We are offering a bonus cashback reward on any balances you want to transfer in the first 90 days. So if you have any balances on a card with a higher rate you can make a double saving. Firstly, benefit from having lower interest payments and secondly, for every balance that you transfer when you first open your account you will get a 2% cashback reward (up to a maximum of £60).

To benefit from the 2% cashback on balance transfers offer:

Transfer a balance to your Clarity credit card and you will get 2% cashback credited to your account. This offer applies to balances transferred in the first 90 days and is available to new customers only.

The maximum cashback value is £60, so if you transfer a balance of more than £3,000 your cashback will be capped at £60.

The cashback amount will be applied within 30 days of the balance transfer being added to your account.

3.4 We calculate interest we charge on your average daily balance and charge it to your account on each statement date. The interest rates shown above are calculated by compounding the interest we charge each month over one year. The simple interest rates (not including interest being charged on interest) are:-

despite credit card providers writing off up to 10 per cent of outstanding balances as bad debts, there is still a huge choice of credit card deals out there, offering a confusing array of introductory deals with numerous interest rate and fee combinations.

That's why it was a refreshing change to see the launch of the new Clarity credit card from Halifax last week. It's simply a good value, no nonsense product which stands out from the majority of the market.

There are no confusing interest-free introductory offers for purchases or balance transfers; instead, Halifax is aiming for a longer-term relationship with customers by offering straightforward value. What is particularly good is that there are no cash withdrawal or foreign loading fees for those who like to use their credit card overseas. Typically, a £100 cash withdrawal abroad can cost you almost an extra £6, by the time you take into account a 3 per cent withdrawal fee plus a foreign loading fee of typically between 2.75 per cent and 2.99 per cent.

At 12.9 per cent, the Clarity card's APR for purchases is well below the market average of 18.4 per cent, and the cash rate of 12.9 per cent is less than half that charged by many high-street rivals. While 12.9 per cent is the typical rate, bear in mind that some people with a less-than-perfect credit record may be offered the card at a slightly higher rate of 17.9 per cent or 21.9 per cent APR.

If you are someone who doesn't clear their balance every month, then one of the many cards offering a 0 per cent introductory deal on purchases or balance transfers may be a more cost-effective option. Halifax's Clarity card is a back-to-basics product and likely to prove a big hit with holidaymakers in the coming months, providing the opportunity to withdraw cash overseas without having to shell out a small fortune in costs.

It's also good to see Halifax customers being given the opportunity to earn a further £5 bonus per month, simply by spending a minimum of £300 per month on their card.

If you take out the current account and the credit card, you can potentially earn £120 per year in return for your loyalty, a strategy that could well pay dividends for bank and customer alike

despite credit card providers writing off up to 10 per cent of outstanding balances as bad debts, there is still a huge choice of credit card deals out there, offering a confusing array of introductory deals with numerous interest rate and fee combinations.

That's why it was a refreshing change to see the launch of the new Clarity credit card from Halifax last week. It's simply a good value, no nonsense product which stands out from the majority of the market.

There are no confusing interest-free introductory offers for purchases or balance transfers; instead, Halifax is aiming for a longer-term relationship with customers by offering straightforward value. What is particularly good is that there are no cash withdrawal or foreign loading fees for those who like to use their credit card overseas. Typically, a £100 cash withdrawal abroad can cost you almost an extra £6, by the time you take into account a 3 per cent withdrawal fee plus a foreign loading fee of typically between 2.75 per cent and 2.99 per cent.

At 12.9 per cent, the Clarity card's APR for purchases is well below the market average of 18.4 per cent, and the cash rate of 12.9 per cent is less than half that charged by many high-street rivals. While 12.9 per cent is the typical rate, bear in mind that some people with a less-than-perfect credit record may be offered the card at a slightly higher rate of 17.9 per cent or 21.9 per cent APR.

If you are someone who doesn't clear their balance every month, then one of the many cards offering a 0 per cent introductory deal on purchases or balance transfers may be a more cost-effective option. Halifax's Clarity card is a back-to-basics product and likely to prove a big hit with holidaymakers in the coming months, providing the opportunity to withdraw cash overseas without having to shell out a small fortune in costs.

It's also good to see Halifax customers being given the opportunity to earn a further £5 bonus per month, simply by spending a minimum of £300 per month on their card.

If you take out the current account and the credit card, you can potentially earn £120 per year in return for your loyalty, a strategy that could well pay dividends for bank and customer alike